Author Archives: Bethany Lape
Do I Earn Too Much Money To File Bankruptcy?
One of the most common myths about bankruptcy is that high income debtors earn too much to file bankruptcy. But the truth is that no matter how much you earn, you may qualify for Chapter 7 or Chapter...
Can I Discharge My Deceased Spouse’s Debts in Bankruptcy?
Many people who have lost a spouse face a mountain of bills that can financially overwhelm them. If this is the case for you, then bankruptcy may be the answer. Debt Responsibility Depending on...
How Identity Theft Affects Your Credit
Identity theft is on the rise. Each year millions of Americans are the victims of thieves who do serious damage to their financial life. But how does identity theft affect your credit? Let’s take a...
How Does Your Spouse Affect your Credit?
Many trying to get and keep good credit are scared of marrying someone with credit that’s less than pristine. Well, fortunately, you can breathe a sigh of relief—marrying someone with bad credit...
How Long Does Negative Information Stay On My Credit Report?
Seeing negative information on your credit report is a real downer, especially if you’re trying to establish or rebuild good credit after bankruptcy. Fortunately, most negative entries on your...
How Does Bankruptcy Affect My Children
Those filing for bankruptcy are often concerned about how their Chapter 7 or Chapter 13 bankruptcy filing will affect their children. Let’s take a closer look at the impact bankruptcy has on the...
Business Bankruptcy: Chapter 11 vs. Chapter 13 Bankruptcy
If you’re a sole-proprietor or small business owner struggling to stay afloat financially, bankruptcy may help resolve your money problems. For debtors wishing to file bankruptcy but not liquidate...
Military Service members: Fighting the Debt and Bankruptcy War
Military servicemembers going off to war often find themselves fighting another war, a financial one. According to a survey of 700 servicemembers and 100 servicemember spouses, 19% of military...
Bankruptcy Basics: Should I Reaffirm My Mortgage?
If you are considering bankruptcy, and you want to keep your home, reaffirming your mortgage may be an option. But what does reaffirming your home loan really mean and when is the best time to do...
How Good Credit Saves You Money on Mortgages, Car Loans, and Credit Cards
Good credit is essential to long-term financial health and credit flexibility. A solid FICO score means the difference between paying reasonable interest rates and struggling to pay sky-high interest...